The Expert Podcast

• Discover why you might need a surety bond to get a vehicle title at the DMV.
• Learn what to do when you don’t have the old title—maybe it’s lost, damaged, or never received.
• Understand the bonded title process: signing affidavits, filling out forms, and submitting a surety bond to the DMV.
• Find out how states like Florida handle bonded titles—including official forms and specific requirements.
• Get clarity on the role of:
  • Principal (you, the applicant),
  • Obligee (usually the DMV),
  • Surety (bonding company).
• See how the bond protects prior owners, lienholders, and future buyers.
• Understand that this process limits DMV liability by passing the responsibility onto the bond.
• Learn how long a bonded title is active—usually 3 to 5 years, depending on the vehicle's value.
• Know your obligations: even after paying for the bond, you may still carry liability if someone challenges the title.
• Find out the typical cost of a surety bond (e.g., around $100–$200 depending on car value).
• Clarify a common misconception: You don’t pay the full bond value out of pocket—just the premium.
• Be aware of additional state-specific requirements like inspections or limitations if the vehicle came from out-of-state.
• Get help understanding your own state’s requirements and what to do if you face title problems.